What is Covered by RSPCA Pet Insurance?
Because each pet owner has different needs and wants when it comes to looking after their furry friend, RSPCA Pet Insurance offers three different plans. These plans are the Basic Accident Only Cover plan, the Economy Accident & Illness Cover plan and the Ultimate Accident & Illness Cover plan. Each offering provides a different level of cover so that customers can find a policy that suits both their cover needs and their budget. To top it all off, a portion of your premiums go to the RSPCA to enable them to help other Australian animals.
RSPCA Pet Insurance Benefits Table
For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:
|What’s covered?||RSPCA Ultimate Accident & Illness Cover||RSPCA Economy Accident & Illness Cover||RSPCA Basic Accident Only Cover|
|Age of pets||Entry from 8 weeks to 9 years of age. Once insured cover can be kept for life||Entry from 8 weeks to 9 years of age. Once insured cover can be kept for life||Entry from 8 weeks|
|Maximum yearly benefit amount||$11,000||$11,000||$7,000|
|Cover for accidents||Yes||Yes||Yes|
|Cover for illnesses||Yes||Yes||No|
|Routine care benefit||Yes||No||No|
|Overall annual claim maximum||$11,000 plus routine care cover||$11,000||$7,000|
|Yearly paralysis tick benefit||1,200||$1,000||No|
|Emergency boarding fees when you’re hospitalised for more than four days||$1,000||$1,000||$500|
|Waiting period||30 days for illnesses, 6 months for cruciate ligament injuries||30 days for illnesses,6 months for cruciate ligament injuries||6 months for cruciate ligament|
RSPCA Dog Insurance
Every dog lover wants to give their pooch the best* possible care and veterinary treatment — when you consider all the love and joy they bring into our lives, it really is the least we can do. With an RSPCA Dog Insurance policy in place, you won’t have to compromise when it comes to giving your dog the treatment he needs.
RSPCA offers three different policies to suit a range of needs.
RSPCA Basic Accident Only Cover
- If you want basic cover for those worst case scenario injuries that could end up costing you thousands, Basic Accident Only Cover can provide the protection you need.
RSPCA Economy Accident & Illness Cover
- If you want to protect your wallet against the costs involved when your dog suffers an illness, RSPCA Economy Accident & Illness Cover offers more comprehensive coverage for your pooch.
RSPCA Ultimate Cover
- If you want to give your pet the best* protection possible, the Ultimate plan offers broad coverage and extra features like a routine care benefit, which helps you take care of things like heartworm tests, desexing and microchipping.
With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet’s eligible vet bills, up to an annual limit of $11,000. This means you won’t have to think twice when it comes to choosing a treatment option for your four-legged friend.
Once your dog is insured, you can continue to renew coverage for the rest of his life. There’s also a 10% discount when you insure more than one pet and the RSPCA prides itself on providing a fast and stress-free claims process.Back to top
RSPCA Cat Insurance
Though it’s often said that cats always land on their feet, this isn’t necessarily true. Illness and injury can wreak havoc on your feline’s health, which can in turn result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you’ll be able to enjoy much-needed financial protection and the freedom to give your pet the best* possible care.
- Choice. You can choose from one of three plans that suits your cover needs and your budget.
- Cover. Provides up to 80% of your eligible vet bills covered.
- Maximum Benefit. An annual benefit limit of $11,000 will help you take care of the expensive cost of treatment, while the fact that you don’t have to pay an excess helps keep more money in your pocket.
You are able to take your cat to any licensed vet within Australia for treatment, while there’s a 10% discount available when you insure more than one pet. The claims process is quick and free of hassles, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.Back to top
RSPCA Pet Insurance Accidental Injury Cover
As the name suggests, RSPCA Pet Insurance Accidental Injury Cover steps in to help cover your vet bills when your cat or dog suffers one of several injuries. Your policy will cover up to 80% of eligible vet treatment bills to ensure that you can give your pet the best* possible care.
RSPCA Pet Insurance Accidental Injury Cover will pay a benefit when your pet suffers an injury as a direct result of:
- a motor vehicle incident
- being burned or electrocuted
- an allergic reaction to an insect bite, excluding flea and tick bites.
In addition, your pet will be covered if their injury results in:
- a bone fracture
- snake bite toxicity
- a traumatic ligament or tendon injury
- a bite wound or abscesses from fight wounds
- lacerations or abrasions of tissue, skin or mucous membrane caused by external violence.
However, there are a range of injuries for which a benefit will not be paid. These include pre-existing conditions, patella luxations, elbow dysplasia, fractures teeth, toxicity and intervertebral disc disease.Back to top
RSPCA Pet Insurance Illness Cover
Under RSPCA’s Illness Cover, your policy will cover up to 80% of your vet bills when your pet receives treatment for a range of illnesses. These include cancer, hereditary problems, skin conditions and many more.
However, there are several illnesses for which you will not be covered. These include:
- illnesses that arise from pre-existing conditions or that occur during the waiting period
- illnesses for which there is a known vaccination. For dogs this list includes kennel cough, parvovirus, canine hepatitis, canine distemper and parainfluenza. For cats this includes cancer, hereditary problems, skin conditions, calicivirus, herpes, cat flu, Feline Immuno Deficiency Virus and Feline Infectious Peritonitis
- any pandemic that causes widespread illness
- more than one occurrence of swallowing a foreign object that results in a blockage or obstruction that requires either surgical or endoscopic removal.
RSPCA Pet Insurance Additional Cover
Depending on your pet’s health, your policy requirements and your budget, you may choose to take out one of the additional cover options offered under an RSPCA Pet Insurance policy. These options include:
- Emergency Boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, your policy will cover the cost of boarding your pet at a licensed kennel or cattery. However, you won’t be covered if you are hospitalised due to pregnancy, cosmetic surgery or a pre-existing condition.
- Essential Euthanasia. If your vet deems that it is a humane and essential course of action to have your pet put down, the cost involved will be covered by your insurance policy. Non-essential euthanasia and the burial or cremation of your pet are not covered.
- Paralysis Tick Benefit. If your pet requires treatment for tick paralysis, the cost of this will be covered by your policy up to the benefit limit. However, keep in mind that tick preventative treatments are not included in your policy.
- Pet Overseas Travel Insurance. If your pet is travelling abroad with you and requires treatment while overseas, your RSPCA Pet Insurance policy can provide cover for the resulting vet expenses. However, you won’t be covered if your pet will be outside Australia for more than 60 consecutive days.
RSPCA Pet Insurance Optional Cover
If you’d like to take out an increased level of cover for your furry friend, the Routine Care Benefit may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
- $15 a year for heartworm test or blood screen
- FeLV/FIV test or urinalysis – $15 a year
- a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
RSPCA Pet Insurance General Exclusions
Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:
- any pre-existing conditions
- dental procedures, dental diseases, teeth fractures, gingivitis and teeth cleaning
- the cost of pet food, regardless of whether it is regular food or a prescription diet
- vitamin and mineral supplements
- preventative veterinary procedures, such as vaccinations, anal gland expression and parasite control
- grooming and bathing of your dog or cat
- accessories for your pet, such as crates, bowls, bedding and collars
- the cost of training, socialisation and any therapy for your pet. Alternative therapies are also not covered
- treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement. Guide Dogs and assistance Dogs are exempt from this exclusion
- treatment for behaviour problems such as anxiety disorders and phobias
- cell-replacement therapies
- medication that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
- you deciding to pursue a course of treatment other than that recommended by your vet
- breeding or obstetrics
- ambulance fees and non-essential hospitalisation
- house calls from your vet except in emergency situations
- organ transplant surgery or prosthetic limbs
- routine examinations, hip and elbow scoring, elective treatments
- a malicious act or deliberate injury caused by you
- your failure to take all reasonable steps to protect your pet.
RSPCA Pet Insurance FAQs
Q. Do I need pet insurance?
- A. This will depend on your personal feelings and how likely you are to be able to afford expensive vet bills. If you want to give your pet the best possible care and never want to have to compromise on treatment, consider taking out cover.
Q. How much of my vet bills are covered?
- A. Under Basic Accident Only Cover and Ultimate Accident & Illness Cover, 80% of your eligible vet bills will be covered This figure drops to 75% under Economy Accident & Illness Cover.
Q. Will I have to pay an excess?
- A. No, there is no excess you will have to pay when making a claim. However, an excess of sorts is automatically applied when you consider that the policy will not cover 100% of your vet bills.
Q. Can I take out lifelong cover for my pet?
- A. Yes. Once you take out cover you are able to continue insuring your pet for life. Illness Cover can be applied for if your pet is aged between eight weeks and nine years, while there is no upper age limit when it comes to Accidental Injury Cover.
Whether you’re a cat person or dog crazy, looking after your pet is one of the most important things in your life. RSPCA Pet Insurance offers a range of cover options to help you give your pooch or feline the best possible protection available, so compare these policies with others on the market to find the right type and level of cover for your pet.Back to top
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